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What does ESG mean. Don't see it in the Bogleheads acronym list.
https://www.bogleheads.org/wiki/Abbrevi ... d_Acronyms

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I just cut and paste the code, no need to remember it or type it.

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In some countries, employees have more rights as inventors than in the United States. "Japan hit the headlines in 2004 when component maker Nichia was ordered to pay $189 million to its employee Mr Nakamura, the principal inventor of the blue LED, a hugely profitable product. Nichia was reported to ...

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Thanks all for the feedback. Mods can close the thread unless anyone has other points. It looks like there is no reason for me to worry or think about this given Vanguard having coverage up to 50m, I'm light years away from that. Just as long as you understand that the 50m is not for your account o...

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If you talk to a lawyer, be sure before discussing anything that the law firm does not represent the megacorp or otherwise have a conflict of interest. Otherwise you are wasting your time and possibly revealing information to the other side. The lawyer would be require to disclose that fact before ...

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I don't know if his option bet will pay off. But I do like some of the YouTube videos that he has produced and narrated: Principles for Success by Ray Dalio (in 30 minutes) https://m.youtube.com/watch?v=B9XGUpQZY38 How the Economic Machine Works by Ray Dalio (in 30 minutes) https://m.youtube.com/wat...

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obgraham wrote: ↑
Sat Nov 30, 2019 11:40 am
I've often wondered why we get obsessed with "free notary when you need it" as a reason to keep a big bank balance at sub-par rates.

I might need a notary once in 5-10 years.

MailStop or UPS store. $10. Big deal!

Ok for notary, but you can't get a medallion signature guarantee at UPS.

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If you talk to a lawyer, be sure before discussing anything that the law firm does not represent the megacorp or otherwise have a conflict of interest. Otherwise you are wasting your time and possibly revealing information to the other side.

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If the PTC for Jan - Jun was based on estimated AGI of $0 (why woudn't it be?), then the recipient will definitely need to re-pay some of that because the eventual actual AGI will no longer be $0. And, if the eventual actual AGI ends up being >400% poverty level then they will need to repay the who...

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You can increase your withholding on your W2 income to cover your combined W2+1099 income. Which would mean that you can avoid having to file form 2210 to prove that your income varied during the year given that you won't have 4 equal installments of estimated taxes. Also, don't forget state withho...

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The only thing I found that was difficult was the transition from "Me + Wife both on ACA plan" to "Me on Medicare, Wife on ACA plan". The Healthcare.gov rep on the phone messed up the transition. It popped my wife into the Medicaid queue. If you don't mind, can you share if you now know Why this ha...

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I don't have to worry about this for a few years, but also don't some MCare Advantage plans have lifetime dollar limits? I don't know, but when I was looking into a Kaiser MA (part C) plan I was told by the Kaiser representative that they don't have lifetime limits ( you should of course independen...

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I'm getting a little tired of having the institutions where I have my accounts bought out. Have to learn new websites. Have to change bookmarks. Have to change ACH links, routing numbers, etc. In some cases documentation must be saved or it will be lost (statements, conformations, etc.). Get 2 1099s...

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Perhaps even more of a problem than HOAs are Metro districts. If you are considering buying a house in a metro district, be sure you understand the financial impact.
https://thehill.com/opinion/internation ... n-colorado

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Just don't try to use an acetylene torch to open it. I know of a case where some burglars tried to open a floor safe that way and gave up and left. When the owner discovered what happened and opened the safe, the cash that was inside was burned up.

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Maybe we'll see an end to TDAM bonuses shortly, since Schwab is already cutting back on bonuses except for new customers (they had one offer for existing customers in November, which was pulled in a few weeks). ADDED: Although oddly, Scottrade continued to offer bonuses, even for transfers from TDA...

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In a market transaction, someone's gain must necessarily correspond to someone else's loss. The Gotrocks earn the market return after all the transaction gains and losses have been balanced out. This doesn't sound correct. I think there are many market transactions where both parties gain something.

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with an additional $22,000 (122k total before tax) for healthcare until Medicare. Just be aware that there will still be healthcare costs once on Medicare. For example 2019 part B premium is $135.50 per month per person ($3252 per year for a couple) plus medigap/part D or part C plus things that mi...

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Year to year the max drawdown is -0.52%. Month to month it is -2.26%. I do own some FLOT but not as an emergency fund. Perhaps MINT would be better, looks like max month to month drawdown is -0.55%. SEC yield is 2.12% vs 2.27% for FLOT. Oh! -2.26% month to month is definitely not what I'm looking f...

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The 1 year price range is 50.02 - 51.01, about a 2% range. So it definitely can fluctuate in value. From the 1 year chart it looks like it dropped in value in Dec 2018 and then recovered. The portfolio visualizer says that the Mas Drawdown in the 8 years that FLOT has existed is -0.52%. Any bond fu...

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The 1 year price range is 50.02 - 51.01, about a 2% range. So it definitely can fluctuate in value. From the 1 year chart it looks like it dropped in value in Dec 2018 and then recovered.

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Umbrella typically only expands $$ of coverage, not the types of perils covered. Key distinction. So in a sense the answer is easy ... Umbrella will not cover you if the underlying auto / homowners / landlord policy will not cover you. That is my understanding as well. One is not purchasing a new t...

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nedsaid wrote: ↑
Thu Nov 07, 2019 11:14 pm
Well, so much for that inverted yield curve. I think I am going to start a "Long Term Bonds in freefall" thread. Or is that free fall?

There is a "US Bonds in free fall" thread.
viewtopic.php?f=10&t=294453

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Source Billionaire hedge-fund founder Ray Dalio said the global economy is under threat from an explosive mix of ineffective monetary policy, a rise in the wealth gap and climate change. The combination will lead to a “scary situation” over the next decade, according to Dalio, whose investment mana...

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Be aware that even medigap (aka supplemental) may not cover everything. As others have pointed out they don't cover dental, vision or hearing. Outside of the US it only covers emergency care at 80% and with a lifetime limit of $50k and a few plans don't have international coverage (so travel insuran...

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I can't speak to the financial aspect, but you can compare nursing homes per zip code on this Medicare site:
https://www.medicare.gov/nursinghomecompare/search.html?

It lists 32 nursing homes within 25 miles of 70002 and gives star ratings.

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Not me. Seems like they are in a loose/loose situation. Leave power on and they get sued for causing fires. Turn power off and they get sued for the impact of loosing power. And when they do turn off the power they are losing lots of revenue. Of course, if PG&E were to focus on acquiring a substant...

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Not me. Seems like they are in a lose/lose situation. Leave power on and they get sued for causing fires. Turn power off and they get sued for the impact of loosing power. And when they do turn off the power they are losing lots of revenue.

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Using this inflation calculator that goes back to 1913, a penny in 1913 is worth 26 cents today. https://data.bls.gov/cgi-bin/cpicalc.pl "The half cent is the smallest denomination of United States coin ever minted. It was first minted in 1793 and last minted in 1857." https://en.m.wikipedia.org/wik...

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Obviously, in most places mass transit is mostly used by the relatively poor ... Huh? I have used mass transit to get around NYC (subways/buses), San Francisco (Bart), London and Paris (underground). Not sure your definition of "relatively poor" but I would not put that label on myself; maybe relat...

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Like I mentioned, it's an hour away plus I only go there 2 or 3 times a month. I guess one question would be how do you intend to use the cameras. Options I can think of: - Store video for 2+ weeks so if you find something wrong when you do go there you can then rewind the recording to see what hap...

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Is there a reason you want the recorder at home instead of at the storage building? I guess one problem would be if someone broke in and stole the NVR from the storage building. I think there are also options to store it to a cloud service. I suspect you will want to get an internet connection insta...

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"Usually alarms are considered third priority (no lights or sirens) because the vast majority is false." "In many cities, such false alarms often number in the tens of thousands each year, waste millions of dollars of officer time, and detract from attention to reducing crimes." https://www.urban.or...

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So if, for example, OP wants 20% in cash and bond and 80% in target, just find the target fund with 50% in stock and 50% in bonds and withdraw 20% out of that fund for the cash and bonds. Just be aware that some 401ks don't allow the owner to specify which fund to withdraw from. Mine only allows wi...

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......it is sometimes recommended to purchase issue age policies because although they may cost more at age 65 they should cost less at older ages. However, based on the referenced document the few issue age policies available in that zip code seem to be higher cost for the 4 age groups (65, 70, 75...

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Here are some thoughts on medigap pricing methods (issue age, attained age and community rated). I will reference the docuement "Colorado Medigap Policies and Prices (2019) - https://drive.google.com/file/d/1I6NGuzeqiuQmKmiUYCOPYLnFI5oo8nBX/view This docuement has all the medigap policies available ...

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When I got my first real ID driver's license, the clerk at the DMV would not accept my birth certificate, I think because it was issued by a municipality, not the state. However, they accepted my passport instead even though the municipality issued birth certificate was used and accepted when origin...

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I lost my SS card 3 decades ago. Have never thought about or needed it since I lost it. Did you ever get hired in a new job since you lost your SS card? Under US federal law (Immigration Reform and Control Act of 1986), you must show documentation verifying (1) that you are authorized to work in th...

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I know some people whose 401k plan was transferred from Fidelity to a less desirable provider. They were still employed by the same employer, but they were able to rollover their 401k assets to IRA accounts. This would be a blatant violation of IRS regulations unless this was a part of certain acqu...

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I know some people whose 401k plan was transferred from Fidelity to a less desirable provider. They were still employed by the same employer, but they were able to rollover their 401k assets to IRA accounts. This would be a blatant violation of IRS regulations unless this was a part of certain acqu...

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The money in your employer 401k will automatically transfer over to the new 401k provider. You are not allowed to stay with the old provider or roll the money into your own IRA. It's only after you leave your current employer that you have the option of moving money from the 401k to your own IRA. C...

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Spirit Rider wrote: ↑
Tue Oct 01, 2019 8:49 am
The best solution for the OP is to lobby for a safe harbor plan. Or if the 401k plan is top heavy, maybe they could be convinced to use the top 20% compensation for HCE designation.

Or the company could make "qualified non-elective contributions" (QNEC) to the NHCEs.

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How did she get foreign passport issued with a name that was not on her birth certificate and had apparently not been legally changed either there or in US? Many people, when naturalize to become US Citizen, still hold on to their birth countries' passport. Doing that, whenever they visit their bir...

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From the OP's post, I understand that his wife is a naturalized US citizen and she has a US passport with no middle name and a foreign passport with a middle name. Is the foreign passport still valid; does she have dual citizenship? Was The foreign passport presented as identification when applying ...

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Yes, actually DW and I removed soffit over kitchen cabinets. Then we had a contractor install new kitchen cabinets that went all the way to the ceiling. Turned out that there was quite a lot of wiring that had to be rerouted by an electrician; can't remember the cost. Also, there was a small portion...

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It doesn't answer the "overseas" question, and I'm sure it is not always the answer, but one way it happens in the United States is that the family of the deceased calls a funeral director--needed in most? all? states even for a low-cost cremation--and the funeral director collects the deceased's s...

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Here is some data on profits per employee at tech companies in 2018. First 6 are: Facebook....$634,694 Apple.........$393,097 Microsoft.....$171,000 Alphabet.....$158,057 Cisco..........$131,810 Netflix........$109,588 They have a link to the data at the bottom of the page. https://www.postbeyond.co...

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From: https://www.investopedia.com/articles/markets/050614/introduction-dark-pools.asp "The advantages of dark pools are as follows: Reduced market impact: The biggest advantage of dark pools is that market impact is significantly reduced for large orders. Lower transaction costs: Transaction costs ...

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Was there Medicare, Medigap, Medicaid, and/or other health insurance that would cover some or all of the hospital bills?

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His USAA policy is a Medigap plan. I'm not sure what percentage of the costs of out-of-country emergency care it pays, but I do know that there is a lifetime cap of $50,000 on those benefits. (You are probably right about the 80%. I just don't have it in front of me right now.) I checked with Kaise...

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